PRIVACY POLICY

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PRIVACY POLICY

Your Privacy & Data Protection

We are committed to protecting your personal information and maintaining transparency regarding the collection, usage, processing, and storage of customer data across our platform.

1. Collection of Personal Information

We may collect customer information including name, mobile number, email address, PAN details, Aadhaar information, address, employment details, and banking information for loan processing and verification purposes.

2. Secure Data Protection

Customer data is protected through secure systems, encrypted communication methods, restricted access controls, and industry-standard security practices designed to prevent unauthorized access.

3. Identity Verification

Personal information may be used for identity verification, KYC validation, fraud prevention, and eligibility checks through authorized verification partners and agencies.

4. Loan Eligibility Evaluation

Customer data may be analyzed for assessing repayment capability, credit profile, income stability, and loan eligibility as part of the application process.

5. Credit Bureau Verification

We may access credit reports and financial information from authorized credit bureaus including CIBIL and other regulated agencies for evaluation purposes.

6. Digital Verification Services

Information provided by customers may be used during Aadhaar verification, PAN validation, Video KYC, e-signature verification, and related compliance processes.

7. Communication & Notifications

Customers may receive SMS, calls, emails, notifications, repayment reminders, service updates, and loan-related communication through authorized channels.

8. Cookies & Website Analytics

Our platform may use cookies, analytics tools, and tracking technologies to improve website performance, customer experience, security, and service functionality.

9. Information Sharing

Customer data may be shared with regulated financial institutions, verification agencies, payment partners, collection partners, or legal authorities when required.

10. Regulatory Compliance

We comply with applicable laws, regulatory guidelines, RBI-related directives, and lawful requests regarding financial services and customer data processing.

11. Data Retention Policy

Customer information may be retained for operational, legal, audit, compliance, fraud prevention, and dispute resolution purposes for the required duration.

12. Customer Consent

By using our platform and services, customers provide consent for information collection, verification, processing, and communication related to loan services.

13. Fraud Prevention Measures

Customer information may be monitored and analyzed to identify suspicious activities, fraudulent applications, unauthorized transactions, or policy violations.

14. Data Storage & Infrastructure

Customer information may be stored securely on protected servers, cloud infrastructure, and authorized systems with restricted operational access.

15. Third Party Services

Certain services including payment gateways, KYC providers, analytics tools, and communication platforms may operate through trusted third-party service providers.

16. Confidentiality Obligations

Employees, service providers, and operational teams are required to maintain confidentiality and comply with internal privacy and security standards.

17. Policy Updates

Privacy policy terms may be updated periodically based on regulatory requirements, operational improvements, or service enhancements without prior notice.

18. Grievance & Support

Customers may contact our support or grievance team regarding privacy concerns, information requests, correction requests, or service-related issues.

19. Acceptance of Terms

Accessing or using our website, mobile platform, or loan services indicates customer acceptance of the privacy practices and related operational policies.

20. Online Platform Usage

Customers are advised to use secure devices, protect login credentials, avoid unauthorized access, and ensure safe browsing practices while accessing digital services.